Amica Mutual Insurance Company

Category: Insurance company

Address: 1 Research Dr #401b, Westborough, MA 01581, USA

Phone: +18887026422

Opening hours

Sunday: Closed

Monday: 8AM–5PM

Tuesday: 8AM–5PM

Wednesday: 8AM–5PM

Thursday: 8AM–5PM

Friday: 8AM–5PM

Saturday: Closed

Reviews

Penny Silvia

Jul 17, 2022

Have had 2 accidents that were not our fault. Amica fought for us to get what we deserved from their insurance companies.

Katherine Morse

Aug 30, 2019

Disappointing customer service to a long time customer. I’ve been a customer of Amica’s since 2006 when I first got my license. Since then I’ve also had renters and now home owners insurance with them. My last bill cycle, I accidentally selected an old and outdated bank account to pay via online. Despite everything seeming to process, I was notified almost 2 weeks later that the funds couldn’t process - and I would be charged a penalty fee. After calling and explaining the situation- I was told the penalty fee could not be reversed and that it was my fault. Yes, I did mistakenly choose the wrong account. But what happened to helping long time and loyal customers in good standing? Incredibly disappointing.

Dores Nalwanga

Aug 9, 2019

Amica has been on top of things ever since I got into an accident. The assistance I received was excellent and all the process of total my car and able to move on was a success. Communication was the key as you know it is not easy to get into an accident and the communication is poor. Everything was done in a timely manner than any other insurance I have used.

Ron Schnaper

Jun 3, 2019

I like Amica insurance. The people have been very helpful every time I buy insurance, but their computer billing systems leave something to be desired. I wound up paying $26 that I didn't owe just to get the computer to stop billing me for a charge every customer service rep said I didn't owe but nobody was able to get it to stop. Other than that, they've been awesome.

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Questions & Answers

How am I covered if my car is damaged by hail?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

This damage would be covered by your other than collision (comprehensive) coverage.

How am I covered if I hit storm debris in the road while driving?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

This damage would be covered by your collision coverage.

How am I covered if a tree or debris falls on my car?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

This damage would be covered by your other than collision (comprehensive) coverage.

How am I covered if my car is damaged by a flood?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

This damage would be covered by your other than collision (comprehensive) coverage.

What if I need my rental car for longer than expected?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

Your policy has specific limits for rental reimbursement coverage. If you need to extend your rental period, you may be responsible for additional costs. If you are not at fault, you may be able to recover the additional expense from the at-fault party.

Do I need to purchase a rental damage waiver?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

The purchase of a damage waiver, or additional insurance, is not covered under rental reimbursement coverage on your auto policy. It only waives your deductible. However, it is your choice whether or not to purchase this coverage from the rental agency.

How much rental coverage do I have?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

Most policies have a $20 per day limit, up to $600 total, included in the collision and other than collision coverage. You may also purchase higher rental limits.

Do I need to purchase the rental company's insurance on the rental car?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

Your Amica auto policy extends the same coverage limits to a rental car, but in some cases you may need more coverage. There may be certain benefits to purchasing additional insurance, but please note that this may result in out-of-pocket expenses. Coverage for rental cars applies in U.S. territories only.

Does my auto policy cover property stolen from my car?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

If the stolen items are permanently installed in the car and you have comprehensive (other than collision) coverage, the loss is covered under your auto policy. However, if the stolen property is something that you put in your car, such as CDs or a GPS, this is usually covered under a home policy, as part of your personal property coverage. Certain restrictions may apply.

Will my auto policy cover me if I drive someone else's car?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

The general rule is that insurance follows the car. For example, if you have an accident while driving someone else's car, that person’s insurance would apply first. Your auto insurance may provide coverage if the owner of the car did not have auto insurance or didn’t have enough coverage to pay for the damages. Exclusions may apply, so it’s best to contact us to discuss the specifics of the loss and determine possible coverage.

What's the difference between collision coverage and comprehensive coverage?

Amica Mutual Insurance Company | Aug 30, 2021
Amica Mutual Insurance Company | Aug 30, 2021

Collision coverage covers physical damage to your auto caused by a collision with another car or object. Comprehensive, which is also known as other than collision, covers physical damage to your auto, including fire, theft, vandalism and broken glass.

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